Caldwell, ID
Landlord insurance in Caldwell, Idaho
Coverage for rental homes and 2–4 unit buildings in Caldwell, with local Census housing data. A quote is not a binder.
With an estimated 73,088 residents, Caldwell has around 5,814 renter households, about 27% of occupied housing. Statewide, Idaho sits at 28%, so Caldwell's rental share is close to the state figure.
Census snapshot: Caldwell housing
| Measure | Caldwell | Idaho |
|---|---|---|
| Renter-occupied homes | 27% (5,814) | 28% |
| Median owner-occupied home value | $367,300 | $418,600 |
| Median gross rent | $1,264/mo | $1,238/mo |
| Median year structure built | 2003 | 1991 |
| Homes in 2–4 unit buildings | 6% | 6% |
| Single-family homes (detached or attached) | 82% | 77% |
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter; population from U.S. Census Bureau, Vintage 2024 population estimates.
Insured value and premium context in Caldwell
At a median home value of $367,300, Caldwell is lower than Idaho overall ($418,600). Underwriters care about replacement cost rather than sale price, so bring square footage, construction type, and update history to the conversation.
For context, the NAIC reported that Idaho dwelling-fire policies insuring $350,000 to $399,999 averaged $773 a year in 2023, against a statewide dwelling-fire average of $671. Those are owner-occupied dwelling-form figures, not landlord quotes.
Protecting rental income in Caldwell
Median gross rent in Caldwell is about $1,264 a month. A year of lost rent at that level is roughly $15,168 per unit, a useful yardstick when you choose fair rental value coverage.
Older vs. newer rentals in Caldwell
A median build year of 2003 makes Caldwell's stock newer than most. Newer rentals benefit from modern wiring and plumbing, but replacement cost on recent construction can still run high.
What Caldwell landlords typically own
Caldwell is mostly single-family, around 82% of units, with 2–4 unit buildings at 6%. Single-family rentals here typically go on a dwelling fire policy.
Caldwell versus other large Idaho communities
In Nampa, 30% of occupied homes are rented and the median value is $370,800. Boise has a renter share of 37% with homes valued around $484,800 at the median. In Meridian, 25% of occupied homes are rented and the median value is $531,600. By renter share, Caldwell is number 12 on our list of 15 Idaho cities. Manufactured and mobile homes make up about 5% of Caldwell's housing, and many dwelling programs underwrite those separately. Roughly 6% of homes in Caldwell are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Weather and property risks for Caldwell rentals
In Caldwell, think about snow load on roofs in mountain areas first, then hail and summer thunderstorms. Both appear frequently in Idaho property claims and can change which policy form and deductible make sense.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Getting a landlord quote in Caldwell
- Occupancy: long-term lease, month-to-month, short-term, or vacant
- Any system updates, with years
- Prior carrier, expiration date, and five-year loss history
- Mortgage company details, if financed
- Liability limit and months of rent to protect
- Street address in Caldwell and number of units
- Year built and roof age
Request a Caldwell landlord quote
Questions from Caldwell rental owners
How many renters live in Caldwell?
About 27% of occupied homes in Caldwell, roughly 5,814 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Caldwell landlords have to carry insurance?
Not by statute. In practice, a Caldwell rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
How much does landlord insurance cost in Caldwell?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Idaho dwelling-fire average of $671; see our Idaho page for the full table.
More landlord pages near Caldwell
Landlord insurance in Idaho · Cost by state
Last updated October 15, 2026. Sources and method: how we research.